Why September Is the Perfect Time for Napa Homeowners to Review Earthquake Insurance 

Living in Napa offers several advantages, such as natural beauty and a strong sense of community, but it also involves certain risks, including the possibility of earthquakes. As one of the most seismically active regions in the country, Napa homeowners should consider whether earthquake insurance is a necessary part of their overall coverage. With September recognized as National Preparedness Month, now is an ideal time to review existing policies and check that your home is protected against unexpected events.

Understanding California’s Earthquake Risk

California sits on several major fault lines, making earthquakes a genuine concern for Napa residents. Even minor tremors can cause damage, while larger quakes may lead to significant property loss. Standard homeowners insurance typically does not cover earthquake damage, so dedicated earthquake insurance may be critical for financially protecting your home and reducing out-of-pocket expenses.

Why Review Earthquake Insurance in September?

September marks the end of summer and the start of a new season, a natural time to reassess disaster preparedness. Moreover, National Preparedness Month raises awareness about natural disasters, so it’s a timely reminder to check if earthquake insurance still meets your needs. Changes in property value, home renovations, or updates in local risk assessments may mean your current coverage is no longer sufficient.

What Should Napa Homeowners Look For?

When reviewing earthquake insurance, it’s important to consider the following factors:

• Coverage limits—Does your policy reflect your home’s current value and any recent improvements?
• Deductibles—Are you comfortable with the out-of-pocket costs if you need to file a claim?
• Personal belongings—Does your policy cover the contents of your home, not just the structure?
• Additional living expenses—Will your insurance help with temporary housing if your home becomes uninhabitable?

Earthquake Insurance in Napa, CA

This September is a great time to review your earthquake insurance policy and check that your coverage reflects your current needs. Contact Compass of California Insurance Services today to schedule a personalized insurance review and take an important step in disaster preparedness.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.